List of Items

Certain documents are required for your “loan package”. Here is a listing of items you will need to collect and have ready to process a mortgage loan….

On your first visit to let us pre-qualify you, please bring:

  • A recent pay stub
  • A listing of your debts and payments

At the time of your actual loan application, we will need the following items:

  • Purchasing - original executed offer to purchase (sales contract)
  • Refinancing - copy of deed
  • Pay stubs covering the most recent 30-day period
  • W-2’s for the last 2 years
  • If self-employed: 2 years tax returns both personal & business, year-to-date profit & loss statement and balance sheet
  • Most recent 3 months bank statements on all checking, savings accounts, and certificates of deposit
  • Most recent statement on retirement accounts, 401(k), pension plans, stock accounts, mutual funds (if using these funds for closing costs)
  • Residence address past 2 years (landlord address & phone number)
  • Names, addresses, account numbers, balances & monthly payments on all open loans
  • Address of other real estate owned and loan information
  • Address, account number, phone number of mortgage company (if refinance)
  • Copy of separation agreement and final divorce (if applicable)
  • If selling a previous residence, a copy of the executed sales contract
  • A check for the credit report
205 S. Main St.     P.O. Box 1111     Timberville, VA 22853     (540) 896-8941